COMPLEX COMMUNITY
Federal • ODESSA, Texas • Est. 1958
Quick Facts
- Charter Number
- #12697
- Type
- Federal
- Established
- 1958
- Headquarters
- ODESSA, Texas 79762
- Address
- 4519 E 51ST ST
- Branches
- 11
- ATMs
- 9
- Members
- 43,835
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
43,835 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | COMPLEX COMMUNITY |
|---|---|
| Total Assets | $783.9M |
| Members | 43,835 |
| Loans Outstanding | $500.4M |
| Shares & Deposits | $679.1M |
| Net Worth | $106.9M |
| Net Worth Ratio | 13.64% |
| Loan-to-Share Ratio | 73.7% |
| Delinquency Rate | 0.68% |
| Net Income | +$12,747,076 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
11 locations · 9 ATMs
OPERATIONS & TRAINING CENTER
Main Office4519 E 51st St
Odessa, TX 79762
NORTH OFFICE
4900 E 52nd St
Odessa, TX 79762
SOUTH ODESSA
2201 S Grandview Ave
Odessa, TX 79766
WEST ODESSA
2200 Linda Ave
Odessa, TX 79763
CENTRAL MIDLAND
3512 N Midkiff Rd
Midland, TX 79705
Who Can Join COMPLEX COMMUNITY?
Membership Type: Community
Membership eligibility for COMPLEX COMMUNITY may vary. Contact the credit union directly to confirm qualification requirements.
Contact COMPLEX COMMUNITY directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Texas RankingsFrequently Asked Questions
Yes. COMPLEX COMMUNITY is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, COMPLEX COMMUNITY has 43,835 members and a potential membership field of 60,000 people.
COMPLEX COMMUNITY's net worth ratio is 13.64% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.6%, COMPLEX COMMUNITY meets this threshold.
COMPLEX COMMUNITY operates 11 branch locations and has access to 9 ATMs. The main office is located at 4519 E 51st St, Odessa, TX 79762.
COMPLEX COMMUNITY was established in 1958. It is a federal credit union chartered under charter number 12697. The institution has been serving members for 68 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or COMPLEX COMMUNITY. All financial data is for informational purposes only.